Western Union® NetSpend® Prepaid MasterCard® - Pay As You Go

Info about the Western Union® NetSpend® Prepaid MasterCard® - Pay As You Go has been collected by WalletHub to help consumers better compare prepaid cards. The financial institution did not provide the details.

You won’t be able to withdraw funds when your account balance is negative, as you actually owe money to the issuer. For more information, you may want to call Western Union customer service, at: 800-325-6000. Good luck!

You can transfer funds from your PayPal account to your NetSpend Western Union Card, and the money will be available within 2 to 3 business days. But direct deposit can only be done with your paycheck, tax refund or government benefits. You can learn more here: https://www.netspend.com/how_it_works/adding_money/

Although most prepaid cards limit cardholder spending to the amount pre-loaded on the card, NetSpend offers an overdraft buffer of $10, so you will be able to take out that amount.
Keep in mind that you will need to repay the negative balance in 24 hours or will be charged an overdraft fee of $15. Hope this helps!

The money will not be added to your card account automatically. You will need to obtain a 10-digit MTCN number from the person sending you the funds, and then use that code to transfer the money to your card account via the Western Union website. Hope this helps!

You can find step-by-step instructions by visiting your online Account Center. You will need your bank account number and bank routing number, so make sure to have those ready. Sorry we couldn’t be more help!

There is no limit to the amount you can transfer from this card, other than your account balance. But you can only load a maximum of $7,500 to your account within a 24-hour period. Please let us know if you have any other questions.

3.4 out of 5

My husband gave me this card as a giftcard with $20 that he simply purchased out of a gas station. I never used it thinking that I will have time to spend the money. The card was purchased around June and when I tried to use it on December for Christmas shopping was not funds in the card.... I called them and customer service told me that every month was a $5 charge just to keep the card active. This is definitely not a good experience with this card. Never we have issues with other cards. It's ridiculous that they are charging that amount for fee. Definitely not recomending this service at all. This company is a thief that stole my husband gift. Customer service was mean and disrespectful, couldn't find a solution for me when I called.…read more

Absolutely dreadful experience with these cards. You must activate using your entire life story and then they require you to send them documents with identification, social security numbers and information that would permit anyone to easily steal your identity and set up fake credit cards. Do not buy this product if you don't want your identity to be stolen.

You will get hit with "SIGNATURE" fees for just about every transaction, EVEN IF YOU DON'T HAVE TO SIGN. I get charged $1 for starbucks to swipe my card for a $2 cup of joe, even though there is NO signature requirement.

VERY MISLEADING.

I strongly recommend looking into other cards if you use it like a cash card. I have already cut mine up.

I have been with WesternUnion Netspend Prepaid MasterCard for years now. Very pleased with the card services thus far. Customer service is very good whenever I need to speak to a Representative. I especially appreciate the overdraft protection feature.

Netspend Western Union is the WORST in customer service. The ONLY benefit to this card is getting paid 2 days faster but other companies offer that or it would be better to just wait the two days rather than getting this card. Every single time I call Netspend for ANYTHING either my card or my wife’s card gets deactivated and unable to use. Apparently at 6 pm EST everyone that works for Netspend leaves but ONE little worker named Alex who is left by ALL BY HIMSELF ..no supervisor or mgmt is there to resolve issues or fix issues Netspend caused. It makes me really nervous to think that there is no other customer care than that, especially with the amount of money going into our account. Netspend has NO regard for customer safety or satisfaction. Do NOT open Netspend account for any reason. Google other prepaid cards and pick another as I promise you will eventually regret getting involved with this company…read more

The only thing I hate about this card that NETSPEND charges you when you call to get a balance (.50)per call ,, NETSPEND has all the major prepaid cards, you cant get help unless they charge you .50 cent , plus 9.95 monthly charge,, other then that I like using it because I have WU account.

This card is and company are crooks the steal your money and hold it and lie to do so I loaded the card i drive over the road I was caught in lake affect snows I stayed at motel used card for security deposit the company refuses to give Me my money back because I don't have a permanent card I am on the road for months at a time I have yet to make it home western union and netspend are anti truckers I explained to them I was getting a card because I was going to use direct deposit which I had to cancel and now ive been almost a month without a check my girlfriend has sent me money to eat every 3 days from her tips she pays $ 4.95 each time its cost me 50 dollars in sending fees and late fees for ins car payment electric and more if any one else had similar issues I'm taking further actions against them you can email me with the incidents and some info for building the case my E mail is [email protected]…read more

Worst card company I have dealt with, absolutely terrible. Tried to login from work my account was temporarily blocked. No reason given just said called them and they wanted more information. This was all out of no where. Do not use western union net spend.

You have to be "approved" for this card, which they do not let you know. I bought this card and put $200 on it to find out I couldn't even use it to pay the bill I needed paid! The package did not state this. I thought as soon as you bought it you could use it. Not the case and do not recommend using this company!!! Customer service as well as the top person would not help me!…read more

These people will steal your Mooney. They tell you that you're enrolled in the Premier Package, no fees for Pin transactions or Signature Transactions, but they charge those fees anyways because you didn't "OPT IN" (the mail never said anything about opting in. It SAID I was enrolled automatically. Then charging those fees that weren't supposed to be charged threw my account into overdraft. So, in top of the overdraft, there is also a $15 overdraft fee added on by netspend. They are stealing people's money. Avoid using this company. I'm about to file complaints with the Better Business Bureau as soon as I'm done typing this.…read more

I got this card for my dad so is easier for him to get the money I send him. I can't transfer money to it from Wells Fargo. I can't deposit money into the account with out the card, not even with the account number, the card has to be present. This restrictions are a big inconvenience. Yes, there are not fees unless he uses the ATM to check the balance or to withdraw.

When I first started to use the Western Union card, it was great and easy to ravel with. It was easy to use, and there were no problems. Then, someone stole my card, so I called the bank , and asked them to turn it off. They said that they were very busy at the moment, and that it might take a few hours! I was so angry and demanded that they switch it off or all of my money would be gone. I got it switched off, but it was horrible and long experience.…read more

This Western Union® Prepaid MasterCard is very reliable. It has barely any fees so there are no surprises on bank statements. I think it is much safer putting money down and spending that money before spending credit. I would recommend this to any young or anyone who hasn't started building their credit. There are no activation fees and no monthly fees so it is safe.

About a couple of years ago me and my wife decided to build a house back in our home country India. So we contacted our family their and they said that they will get the builders and we can just send the money needed. Western Union was the choice that I went to. So I kept on sending money and that is when Western Union sends me this card. It had no activation fee or monthly fee. I really fell in love with this card because I could use it sort of like cash. But the real downside was that if you wanted to do an ATM transaction it is two dollars and fifty cents so really it is not worth it to use this card as a debit card. Overall I loved this card.…read more

The Western Union Prepaid MasterCard is great in that it doesn't have an activation fees or monthly fees. Plus, no overdraft fees if you didn't load enough money on it. But you have to be weary that it's more like a debit card than a credit card because you have to load money on it instead of charging it and paying later. However, loading money on it is made easier with direct deposit. The other reloading options are Western Union or Bank Transfer, which both require time and effort and could take a business day or so to process. One huge downside is that essentially everything you purchase will be $1 to $2 more because of the signature transaction and pin transaction fees, and a lot of businesses use one or the other. The ATM fee is another downside because it's $2.50 on top of whatever that ATM owner charges you to use it.…read more

The Western Union Prepaid MasterCard might be good if you are in a pinch and need to buy something online, but the signature and pin fees can really add up if you plan on using this as your primary payment method for transactions. This card also does not come with bill pay service. It does give you access to several third-party services, including Western Union, but I’d like to see a card that had the service available without having to contact another company. The positives of this card are that this card is the fact that it does not have an activation fee or monthly fee, and that if offers the ability to set up direct deposit.…read more

The Western Union Prepaid Mastercard can be pretty good but you need to know what you're getting into. This isn't a normal card where you charge off of it and pay that back, you have to put your own money on the card and then use that. But it still counts towards your credit score so it can be a pretty nice way to build credit if you don't have any history. Plus since you're using your own money there's no monthly fees or interest rates or any of that.

But, if you have the credit rating to get a different card, you'd be better off with that. Something that's more flexible, and has rewards and other features like that. Like the Discover Student card which has some nice benefits attached and a low interest rate.…read more

This card has some good and bad features to it. The good is that they do not charge an initial activation fee or a monthly fee. This is a great benefit for someone just starting out and not wanting to put down $50-100 to activate their card. Also, the zero monthly fee is a major benefit because many cards charge $9 and up each month. However, if you plan on using the card at all you will accumulate fees quickly because of the pin free meaning if you use your pin code to make a purchase they charge a fee of $2. But on the other hand, if you decide to sign for your purchase, the good old fashioned way then you get a fee of $1. I would definitely recommend this card to someone that wants the secure feeling of having a card but not using it often. They don't charge an inactivity fee so this can be a good card if it is used seldom.…read more

This is a nice deal, overall, in that there are no monthly maintenance fees or activation fees. Those can be quite cumbersome. I don't like the ATM fees or transaction fees, however. I would actually prefer that there be one fee that is given at the front end and not to be charged for each transaction

I have always disliked Western Union's business model, and with the advent of Paypal I'm surprised that this company isn't already gone. This Western Union prepaid card boasts most of the same things that other prepaid cards offer, except for the fact that it seems like doing anything with the card itself will result in a fee. It is outrageous to think that every trip to the grocery store would add an extra $2 to my total simply because my money is being routed through Western Union. This is a pretty disgusting business model, one that preys on the poor and those that are unable or unwilling to open a checking account through their local bank. No thanks.…read more

From reviewing this card, it seems to be a decent card. Compared to other monthly cards (Netspend and Rush Card) the no monthly fee is nice. Other cards charge sometimes $5.00 and will continue to take this funding even if there are no funds, that leaves the user in the negative. The free customer service is a bonus too. However the negative that I see is there no bill pay and a lot of people get their paychecks direct deposited and do not have time or the ability to go elsewhere to pay bills. Many like the option of being able to pay bills with their credit cards-I know I do.…read more

I really don't think the Western Union Prepaid MasterCard is a good deal. A consumer would be better off getting a debit card at a local bank or credit union and putting in the money for bills that way. That will drastically cut down on the fees charged for use of your own money. Who in their right mind would pay $1 per non signature transaction and $2 per signature transaction- what a rip off. The only positive I can find is the MasterCard Zero Liability Policy that protects your money from thieves.…read more

The Western Union Prepaid MasterCard was perfect for me when I needed it. I had no trouble putting money on the card or getting money off it. Where there are some fees with this product, it is to be expected. There are other cards that offer about the same amount of quality and service. Overall, I would say this is an average card that meets your needs without taking too much out of you in fees. I rate the Western Union Prepaid MasterCard at 3 out of 5 stars because it gives you what you would expect. It is not exceptional, but it does not disappoint you either. I would definitely use this product again and I would recommend it to anyone that needs similar services. While using this card, I experienced less than $10 in fees which was alright considering the services offered by this product. It would be better if I could check the available balance online easier.…read more

From Western Union, a brand you can trust, comes a card you can use without worrying about spending money you don't have. If you have credit problems or spending problems this is probably a safe way to shop. Yes, there are fees, but they are no different, and in some cases less, than what others are charging for similar services. This is also a great way to repair your credit. If you are shopping for a prepaid card, give this one a look…read more

The $9.95 monthly transaction fee is similar to the monthly fee that both my Walmart Money Card and debit card charges. On the other hand, this card does not appear to be charging a fee to load money on the card. The Walmart Money Card charges a $3 fee to load money on the card. This card is a little better off than my Walmart Money card, since it only charges a $5 monthly fee, after loading at least $500 in a month, while the Walmart Money Card continues to charge the $9.95 monthly fee. The ATM fee for this card is cheaper than the $2 fee I have to pay, in order to use an ATM machine with my debit card. However, the signature fee and PIN fees are not charged by my bank for using my debit card. No overdraft fee is better than my debit account that does charge an overdraft fee. I suppose this card keeps charging the monthly fee, after you've stop using the card, but choose not to terminate the card. If so, this would be a major disadvantage, as compared to the Walmart Money Card, which seems to stop charging a fee, after you hit a negative balance and cannot bring your balance back to positive territory in the course of a month or more.…read more

If you've had problems with credit, Western Union Prepaid MasterCard could be a good way to get back on track. Because it's a prepaid card you will always know that you can afford the purchases that you're making. The fees are reasonable, especially if you set up a direct deposit of $100 monthly, then you can avoid paying a monthly fee. And even if you do have to pay the monthly fee, $2.95 is not too bad compared to some of the other prepaid cards out there, like American Express. You're also protected from losses and fraud so you're money is safe with them.…read more

This is all lies, I get over two thousand dollars deposited monthly and they still charge me 3.00 every month. They have completely lost my paycheck and they have per transaction fees that shoot through the roof. Stay away from this card! WARNING, THIS CARD IS A SCAM!

Western Union offers a solution to individuals with no or poor credit with their Prepaid MasterCard. There is really nothing bad to be said about this card. I have looked at other prepaid cards and their fees are higher. The READY debit Visa Prepaid Card charges a $9.95 monthly fee compared to Western Union’s $2.95 fee. The direct deposit of as little as $100 to waive the monthly fee is reasonable. I especially like that MasterCard's Zero Liability Policy applies to this card.…read more

My first reaction to the terms of this card were horror! But as I found out about the details, I am convinced that this card is a terrific stepping stone for people with bad credit to improve. The fact that the high monthly fee can be waved with as little as $100 direct deposit each month is the cards greatest saving grace. I'd recommend this, if you need it.

This card is a very good option for people who have bad credit or are beginning to build up a credit from scratch. The monthly fee could be easily waived by a direct deposit of $100 or more which I think is easy for the majority of people, an even if someone can't waive it, it's really affordable. I think this card is better than my Citi card as mine has a high annual fee. I would absolutely recommend the Western Union Prepaid Mastercard!…read more

The Western Union Prepaid Mastercard is a great way to either build your credit or rebuild your credit. You can avoid the low monthly fee of $2.95 with a direct deposit of $100 or more, which is easy to do for most people. There is no activation fee, overdraft fee or late payment fee which is another great incentive. I only wish it had a cashback bonus similar to the Discover card. I think this card is a wonderful way for people to establish credit.…read more

The Western Union Prepaid Mastercard has its benefits for those who have problems with credit, and need a safer option. This card has relatively low fees, and the monthly fee can even be waived with $100 deposit every month. While not as easy to use and beneficial as a regular card, this prepaid card can help many people out who need to establish better credit.

The Western Union Prepaid Master Card is not a card for everyone. It has a specific audience. Those looking to build up their credit without having to deal with fees that only hurt them more. The monthly fee attached to this card can be waived with a $100 month direct deposit, which, if you are using the card correctly should never be a problem.

The Western Union Prepaid MasterCard is a great way for a person like me to get out of bad credit hell. I have a Macy's credit card and the interest is around 25%. With the prepaid card I can rebuild my credit slowly and avoid exorbitant interest rates.

This is a good card if you are looking to establish credit. I think there are too many fees (such as a monthly maintenance fee and a fee to cancel the account). However for someone who has a dream to buy a house and they do not have enough credit, they would probably leap at this opportunity. They will either pay now, or later with a higher interest rate and pay apartment rent for a longer period of time. Personally, I do not have a prepaid credit card. I do have a typical credit card through Barclays Bank, and I like that I can pay off the bill each month and not have to worry about fees. Plus if I decide to close my account, it would be free.…read more

The Western Union Prepaid MasterCard is not exactly one of the best options out there. However, it is a good option for someone trying to build their credit. The monthly fee and ATM transaction fees are offsetting. The $2.95 monthly can be waived though. It can be waived if you have a direct deposit of 100 dollars or more in that month. So if you need to build your credit and can deposit at least 100 dollars a month, then this card could be helpful for you.…read more

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

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Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.